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Budgeting & bank accounts

Archives for August 2005

College Student Accounts (16 to 18)
I have read through all the messages on the Student account thread and found only 2 old messages to do with this subject and no replies ! I understand the banks are mostly be interested in the uni mobs long term debt, but what about the 16 to 18 year olds ? If like my son they have bulging Post Office books from all the…
on benefits- need a debit card
i'm living on state benefits and i'm looking for a bank account which will allow me a debit card. most banks i approach wont take my account, a few have offered a basic bank account with cashcard, but i'm looking for one that will give me a debit or even better a current account. i know halifax offer such an account, but…
Student bank accounts?
I'm just looking around and trying to find the best deal for new students (like myself) however I'm not seeing much difference between them... The only major different is the incentives.. Does anyone have a finite list of the best ones (or anyones for that matter)... Cheers, Miles
Citibank and Outsourcing - Need to Switch!
(deleted.)
A&L Reduce Transfer Limit !
Just been on site & noticed for non-registered accounts the limit is now 3K down from 10K! Anyone else notice this?
Help needed - bank charges
Hi, A friend has a problem: If she knows that she's going to go overdrawn - too much month, too little money - and she tells the bank will they still send her a "you're overdrawn and owe use £20 for telling you " letter. Also one of the payments that will send her overdrawn is to the bank itself. She has asked them if they…
LloydsTSB - Security Device
Got notified that Lloyds are changing their T&Cs from 27th September to cover use of something like an RSA SecurID to authenticate with internet banking: http://www.lloydstsb.com/newterms.asp SECURITY DEVICE 1.4 You must take all reasonable steps to ensure the Security Device itself is kept secure, safe and un-damaged, and…
First Direct?
As per the title do you find them to be any good?
Electron Card Information & Discussion: (Merged Threads)
Hi Would anyone be so kind as to inform me what bank account gives you the best rate of interest and an electron card. The reason I want an electron card is that I book a lot of flights and while the budget airlines (Ryanair, Flybe, Jet2) charge debit and credit card fees - they don't charge for using electron. My main…
Bank branches
I've just moved to Edinburgh. I've had an HSBC current account for 11 years and have no problems except the awful customer service now it has gone to India. The problem is that I went to pay in some cheques this weekend and found that where I live there isn't an HSBC branch within 20 miles. I really don't want to put…
Switch From DD to SO!
If, like us, you're tired of Direct Debit payments being taken from your account as much as a week ahead of the payment date you specify, switch where you can to Standing Order instead. The banks have no say over when a DD can be honoured. They simply forward payment whenever the payee requests it. Standing Orders however…
Nat West £50 if you introduce a friend - anyone had £50
I was introduced to Nat West by a friend as part of their "Introduce a friend and you'll both receive £50". The money was due to be paid into both accounts once my first monthly salary had been paid into my account. The account was opened in June so July and August salary has been paid in but as yet no £50. Anyone else had…
Poor print exposing Pin numbers
The Pin numbers of millions of consumers are being put at risk by shoddy printing, warn security experts. Bright lights and easy to use software helped University of Cambridge researchers defeat tamper-proofing on letters telling people their new Pin. The researchers fear the security lapses could put consumers at risk as…
switching - how?
Daft question but I am about to transfer current accounts and I've not got access to a switching service. Apart from the following, is there any easier way of doing this? Write to Direct Debit's confirming new details Await confirmation of dates of transfers Credit both accounts in case of any !!!!-ups Give notice to my…
interest free Overdraft
I desperately need help. i graduated in 2002 with £2000 overdraft with barclays. at that time i was allowed £1200 overdraft free and a further £700 with very little interest. i didn't realise that for a no. of years after graudation i have been paying 15% on ALL of £1900!! I WANNA CHANGE MY CURRENT ACCOUNT!! but should i??…
can they take away my overdraft
Hello i would like to move my primary bank account elsewhere, that is the one i get paid into. im fed up of the HSBC and have applied for A&L as advised by many. question is i have a £1500 overdraft with HSBC if i stop paying my wages in to it will they take that off me?? also do the banks run a credit check when you apply…
Do I have any right of redress if a cheque payed to me is slow in clearing?
Hi, I payed a high value cheque into my bank current account a few days ago and I was told that it should be cleared by tomorrow. What I need to know is.... if there is a delay in the clearance, do I have any case for redress against my bank... or anyone else ? thanks xx
Loyalty - does it have a place?
In Martin's book "The Money Diet" he has given Chapter 5 the title "Forget Loyalty" and discusses the way in which institutions can make us feel too comfy to realise we're not getting the best deals anymore. I can understand the MSE ethics of shopping around for the best deals but does anybody agree that sometimes you do…
Is Alliance & Leicester fobbing me off.
Hi, I opened a premier plus a/c with A&L on 22nd feb 2005 and also had the platinum credit card which I did not receive till 8th April 05 I thought then the deal was if I opened the a/c I would get £25 cash which I did receive and if I also had the cc and used it in a certain time I would get another £25 which I have not…
Bank Charges - Who's best?
Sorry if this topic has already been discussed, but I am new to the forum. I am a Halifax current account holder and have recently been fined £60 for going overdrawn on my overdraft for two items. The way they work it is they charge £30 for each item paid by themsleves when overdraft is exceeded. They take this charge 7…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Budgeting & bank accounts

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